I paid about $1500 in closing costs between title, appraisal, etc, but the original loan was wiped out in favor of a new lower rate. 

Is it possible to get a FHA at a good interest rate with just a good credit score and proof of my start date?

Here are the key details of my situation:Rental Property Details (Note: This was our primary home till 2017):Current Value: $970,000 to $1MPrimary Mortgage Loan Balance: $505,000 (@ 2.6%)Took Home Equity Loan on this house to make down payment for my current primary residence.Home Equity Loan Balance: $123,000Total Loan Balance: $628K (Primary Mortgage + Home Equity Loan)Rental Status: OccupiedPrimary Residence:Purchased in 2022Mortgage Rate: 7.3%Current Loan Balance: $650KMy goal for 2025 is 2 fold: #1.

Market insights and understanding the rental rates in the neighborhood.

So same thing as an agent pick a technique and stick to it.Myself personally when I started as an agent I did not do follow up like I should have but what i did do was become a CLOSESR  If i got in front of them my success rate was very high so thats where I put my energy and my moto was next..If I could not close them first meeting I moved on the next. 

Cash-Out Refinance – Refinancing one of your properties to pull out $30,000 in cash can be an option, though it may extend your loan term or increase your interest rate. 3.

Immediately the recommendation changed and now my inspector leaves no stone unturned.

Some guys I work with were getting 90% advance rates in Houston, but I think the banks are back to 70-80% now.

Occasionally I'll see properties coming on the market where the seller has a VA loan with a low interest rate.  

Both of these allow you to low down payment loans to buy a primary residence with fixed interest rates.